Word of the day - Misinterpreted!

Misinterpreted is definitely the word of the day!

Can there be  life without misinterpretation? I believe most people make decisions only based on misinterpretations in personal life. Especially when one is angry it extrapolates! There are times when you just write what other say even if the word is "misinterpreted"! It becomes more tough when there isn't a chance to clarify the misconceptions.

When someone tries to lead a life without misinterpretation, it becomes fuzzy and complicated for others to understand. Living in this fuzzy state is ideal, but it becomes tough to make decisions. Unless one can keep a cool head, this isn't possible. But being in this state is possible when you know someone pretty well and who has seen us in this state. Misinterpretation most of the time is led by the words we choose while framing the sentence too. At times a simple "troubling" word too can lead to massive misinterpretation. If you are a man of fewer words, then it becomes even tougher. Our actions too can lead to misinterpretation.

I'm hoping I'm able to interpret what happened today! Extreme measures are definitely based on misinterpretation. But all said and done, all that happens is for good.

Well definitely song for the day is jo bhi mein

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Ghati Subramanya

Ghati Subramanya temple is about 30Kms after crossing the Devenahalli International airport ramp. To reach Ghati, there are two ways from Yelahanka (get maps from Google)-

1. Through the new airport road by going to the right before hitting Yelahanka Town. Proceed to Devanahalli Airport and go further without taking the Airport ramp. After this take a left turn in a junction showing the Doddaballarpur sign (first major left turn? and much before nandi hills turn). There is also a Ghati Subramanya sign board from here on.  From here Doddaballarpur is about 20Kms. After crossing Doddaballarpur junction, take a left turn with the Ghati Subramanya sign board. This is about 2Kms or so from the Doddaballarpur junction. Temple is at about 10kms in this turn
2. Take a through Rajankunte, for which you have to proceed to Yelahanka town and take a left towards Doddaballarbur. Once you hit Doddaballarpur, follow the above

Check with people on route any time. I took route 1 since I thought most of the route is good here.

The car parking approach route is kind of small and can be jammed. Chappals can be left in the official stand close to the temple entrance. Parking has paid public toilet too (kind of neat).

The temple two idols. The Subramanya seem to face the backside. There probably is an ant hill too behind the idols. They have placed a mirror in the back to view the face of Subramanya. The temple sanctorum visit area is too small and might get jammed on a crowded day. Yesterday it wasn't crowded, so could go to the sanctorum multiple times easily. 

Behind the main temple, is the abode for several Naga gods. You would find thousands of naga statues, a ganesha temple and a main naga temple. People pour milk (abhisheka) to the Naga statue as offering.

There doesn't seem to be any closing time during the day. There is also prasadam offered (lunch - not the oota; today it was lemon rice and curd rice). So looks like you can go here anytime. Forgot to check the official timings for the temple. The route was all the way good this time.

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Brown Rice

A visit to MotherEarth shop in Indira Nagar - Koramangala link road made me think about using Brown rice! They have Organic Brown rice - both Sona Masoori and Basmati.

With the amount of masala we use in the curries - it really didn't make a difference in the taste!

Few links on Brown Vs White rice:

http://www.greenlivingtips.com/articles/94/1/Brown-rice-vs-white-rice.html

http://arp.optimalhealthsystems.com/showeduc.asp?id=7

Start using Organic Brown rice for a healthy life!!

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Long term infra!!

IDFC, L&T and IFCI are now open !

IDFC Long term infrastructure bond is open till 16th Dec 2011 and L&T is open till 24th Dec 2011. Both are giving 9% interest pa. But looks like IDFC has better rating, though both are very similar.

Invest 20K to save tax under 80CCC (6k+) for this year. Choose the option of buyback after 5 years with cumulative payout (option 2 in IDFC?). At the end of 5 yrs cumulative you will get back 30780. Gain on returns is taxable while buying back.

IDFC should you invest link has good information.

One should be able to buy this easily from iccidirect or hdfc isec online trading websites. Or follow the cumbersome process of filling it up on paper.

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One Time Password Verification!

Its great to see RBI finally implementing something to prevent misuse of credit cards on transactions over telephone / IVR or Mobile application! Was always wondering why RBI can't come up with a clear policy to prevent misuse. RBI is implementing a One time password method, wherein before one makes a Credit Card Transaction over the telephone/IVR or mobile applications , say booking a Air Ticket, a one time password needs to be obtained via SMS / hotline. So be prepared and get to know the methods! This for sure would prevent misuse of cards to a greater extent in India.

Ensure that you have registered your mobile number correctly with the respective banks! This is being implemented from 1st of Feb 2011.

I would have preferred this service to be provided by Visa / Master rather than individual banks. That way, one has to remember only couple of ways to get the OTP.

For me the glitch is that my favourite mobile shop application NgPay is not going to have a hassle free shopping method anymore! Have to wait and see how they are going to integrate this OTP with their application.

Following are from different mailers I got from respective banks

Citibank Cards:

Getting an OTP:

Please SMS OTP XXXX (Last 4 digits of Debit/Credit number)

to 52484 or 9880752484 to generate an OTP.

HDFC Bank Cards:

Send an SMS ‘PWD 1234’ to 9717465555 from your registered (with Bank) mobile number
(Note: 1234 are the last 4 digits of your HDFC Bank Credit Card number)

You will receive an SMS with the OTP on the same number.

ICICI Bank Cards:

SMS

Step 1 -	Send IOTP Your 16-digit ICICI Bank Credit Card Number to 5676766
Step 2 -	You will receive the OTP on your Registered Mobile Number and e-mail ID

Online-Banking

Step 1 -	Go to www.icicibank.com.On the bottom right side under'Cards' section: click on 3Dsecure option
Step 2 -	Choose the 'IVR-IOTP' Option
Step 3 -	Enter your ICICI Bank Credit Card Number, valid from and date of birth
Step 4 -	Generate OTP Request
Step 5 -	You will receive the OTP on your Registered Mobile Number and e-mail ID

Real Time OTP generation

Step 1 -	At the time of the IVR transaction, enter ICICI Bank Card Number, Expiry Date and CVV Code
Step 2 -	You will receive the OTP on your Registered Mobile Number and e-mail ID

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